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Have you been dreaming lately too much about your ultimate car? Well only fantasizing wont help. You need to get it for yourself to fulfill your age old dream. So what is holding you up from making the deal? Surely the car finance which is the biggest clause while making a car deal.

Before buying a car, you need to be sure to determine the type of finance you want to obtain for buying a car. No need to hurry but be a little careful in judging what will be right to balance your pocket. You must exactly choose an option which would go best for you. In such cases a little bit of questioning can take you out of this dual mind set.

1) Are you ready with the hard cash required to buy the car at a go?

2) Having known about the amount you need to pay, if you opt for car loans, are you comfortable with it?

3) Have you cleared up the loans you had taken previously?

4) Are you a candidate good enough to be granted a loan?

Well for question no.1 it goes without saying that cash payment is the best for you to buy a car. For rest of the questions if you are trying to obtain car loans then it is better that you judge yourself on grounds of your eligibility for the approval of the loan.

Here are some of the tips which may prove effective for taking up a car loan.

1) study your credit status before applying for the loan

2) Be ready to explain the discrepancies that you had while you were dealing with your previous loan. Give a valid reason

3) Be sugary while convincing the lender

4) You need to be well dressed while talking to the finance person

Now you have a reason to be confident enough as you take up a loan to buy that perfect car of your dreams. Isn’t it?

Any form of insurance is meant to protect you financially against unexpected loss. If you are a driver, then you must be aware that accidents occur very often on the roads. So insuring yourself and your car is very important. Car insurance protects your car in case something unfortunate happens.

Thus, it is very important for you to purchase an adequate amount of coverage instead of opting for a cheap insurance policy. However, this does not mean that you will need to pay extremely high premiums. You can opt for affordable car insurance policies provided you know how to choose them.

Some ways in which you can save money on your car insurance are as follows.
1. Make comparisons before buying: You should be aware of the fact that prices of these policies vary from company to company. So it is important that you make comparisons before buying. To do this find out the minimum amount of insurance that you must have and then take the quotes from at least three different companies. Look for the company’s reputation as well. This will help you understand if the company provides with good customer service or not.

2. Purchase a low profile car: It is very natural that cars that have a very high theft rate and are very expensive when it comes to repair will have high insurance cost. So it is important that before buying a car you should consider how much will be your insurance cost. Do not buy a very high profile car as that could cost you a lot on insurance premium. You must also consider that you purchase a car that has a good safety system. This will help reduce the premiums on your car insurance policy.

3. Ask for multi policy discounts: In some cases the insurers provide you with discounts if you purchase more than one policy from them. So ask your insurer if he or she will provide you with such discounts. If so, then you can buy your home and car insurance policies from the same insurer and get discounts on your car insurance.